VanDyk Mortgage is your source for VA Loans and FHA Loans in Chula Vista. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Chula Vista Homebuyers and Chula Vista Homeowners to Purchase and refinance homes..

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

Conforming & Conforming Jumbo (aka High Balance or Super Conforming)

Jumbo Loans to $3m

Chula Vista FHA Loans are available up to $690,000 with just 3.5% down payment. The FHA 2019 Loan Limit for Chula Vista is $690,000. Chula Vista FHA Loans that are over $484K up to $690,000 are called FHA Jumbo or FHA High Balance loans.

Chula Vista VA Loans are available up to $690,000 with Zero down payment. The Chula Vista VA Loan Limit in 2019 is $690,000. However, Veterans are not limited to the Chula Vista VA Loan limit of $690,000 for VanDyk VA Jumbo Loans. We also offer VA Jumbo Loans well over $1m, all the way up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Chula Vista Conforming Loans are available up to $690,000. The Chula Vista Conforming Jumbo Loans (aka Conforming High Balance, those over $484,350 and up to $690,000) require a minimum of 5% down payment or equity.

FHA Home loans in Chula Vista, California:

FHA Home Loans require just 3.5% down payment

FHA Jumbo Loans up to $690,000 (aka FHA High Balance)

The $690,000 is the base FHA loan amount - the Chula Vista FHA Loan Limit of $690,000 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)

The Seller can pay up to 6% of your closing and settlement costs.

Minimum score for a FHA Home Loan is just 580, and 580 for FHA High balance or FHA Jumbo.

You can receive a gift of funds for your Down payment and closing costs from Family

FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.

FHA Loans allow non-occupying co-borrowers such as parents and siblings

FHA Loans can be used to purchase 2, 3, or 4 Unit properties when you occupy one unit. Call for details

VA Home Loans in Chula Vista, California:

Active Duty Military and Veterans can both qualify

100% financing up to $690,000

A $850K Chula Vista Home Purchase would only require $40,000 down payment - 4.706%

VA Loans require no Mortgage Insurance

VA Loans do require a VAFF (VA Funding Fee), which is usually financed

Veterans with a 10% or higher VA disability pay no VA Funding fee

Sellers can pay up to 4% of the VA Buyers closing costs

VA and VA Jumbo Loans available as soon as 2 years after BK or Foreclosure.

Veterans can purchase 2, 3 or 4 unit properties as long as you occupy one unit - no prior landlord experience required

Conforming Home Loans in Chula Vista, California:

Chula Vista Conforming loans available up to $484,350

require a minimum of 3% down payment or up to 97% LTV up to $484K

Available up to $690,000 with the Conforming High Balance (aka conforming Jumbo)

Loans over $484K require a minimum of 5% down payment or up to 95% LTV, up to $690,000

We are a Nationwide Mortgage Banker. We offer quality mortgage solutions for both residential home purchase, refinance, and streamline.Call today to find out how we are different and what that means to you.

California Residential Mortgage Lender registered by the California State Department of Business Oversight

Georgia Residential Mortgage Licensee #22013

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VanDyk Mortgage is a private company specializing in FHA & VA financing, VanDyk Mortgage Corp is not a government agency.